Current auto loan rates in Los Angeles, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 World Way, Los Angeles, CA, 90045 5891A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Actors Federal Credit UnionActors Federal Credit Union5757 Wilshire Blvd, Los Angeles, CA, 90036 3684B+4.8 ★Texas Ratio: 16.47% offering 2-Year Auto Loan at 3.74%, LA Healthcare Federal Credit UnionLA Healthcare Federal Credit Union320 W 15th St Ste 128, Los Angeles, CA, 90015 3092A+5.0 ★Texas Ratio: 1.37% offering New Auto Fixed Rate at 3.75%, Los Angeles Federal Credit UnionLos Angeles Federal Credit Union201 N Los Angeles St, Los Angeles, CA, 90012A+5.0 ★Texas Ratio: 3.58% offering Automobiles & Trucks at 3.90%, Polam Federal Credit UnionPolam Federal Credit Union589 N LARCHMONT BLVD, LOS ANGELES, CA, 90004 1305A5.0 ★Texas Ratio: 6.49% offering New Vehicles Loan at 3.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Los Angeles has 19 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 500 World Way, Los Angeles, CA, 90045 5891. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Los Angeles, California. Auto Loan Rates Last Updated and Verified: July 16, 2026
As low as; APR*
As Low As
125% financing for new purchases
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As low as 3.99% APR for up to 36 months, available for new, preowned, and refinanced vehicles. Includes a 0.50% discount for a direct payroll deposit of $750 monthly to your CU SoCal checking account and 0.25% discount for being a Rewards+ Loyalty Member. Rate may adjust if you discontinue direct deposit/payroll. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. With 90-day payment deferment, interest will continue to accrue as of funding date. Offer cannot be used for internal refinances. APR as low as 4.036%.
As Low As
100% financing of purchase price, tax and license
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Max APR: 13.64%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Loan Amount: $2,500+
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Standard APR: 5.25%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Loan Amount: $2,500+
Max APR: 13.89%
Max APR: 13.89%
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
Standard APR: 5.59%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
APR*; As Low As
Max APR: 14.14%
Loan Amount: $2,500+
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Over $20,000.00
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Standard APR: 5.74%
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Max APR: 11.29%
Loan Amount: $5,000+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Loan Amount: $2,500+
As Low As; Standard APR: 5.99%
Standard APR: 5.99%
125% financing for new purchases
As Low As
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Max APR: 11.54%
Loan Amount: $15,000+
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Over $30,000.00
Standard APR: 6.24%
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
84 mos. if $20,000+; 125% financing for new purchases
As Low As
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
As Low As
Loan Amount: $15,000+
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Loan Amount: $2,500+
Loan Amount: $20,000+
Maximum Financing: 90% of Purchase Price
Loan Amount: $20,000+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Max APR: 11.49%
Loan Amount: $25,000+
Loan Amount: $40,000+
Maximum Financing: 100% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Loan Amount: $25,000+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Loan Amount: $40,000+
Max APR: 12.49%
Share secured loans are available for up to 100% of the share balance at 3% over the current rate.
As Low As
Year: 2025-2026
Year: 2025-2026
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; Rates shown are for qualified borrowers only. All loans are subject to credit approval. Rates and terms are based on creditworthiness, loan amount and collateral. Rates may vary or change at any time. Payment Example: $30,000 at 3.99% APR for 48 months would be approximately $677/month.
As Low As
As Low As; Payment example: For a $1,000 Auto Loan for a term of 48 months with a 3.99% APR, the monthly payment will be $22.58. Extended terms are available (up to 96 months) at higher rates. 96 months are not available for Experian Fico scores 649 and below. Minimum loan amount finance of $50,000 is required for a 96 month extended term. Contact the credit union for details. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.
As Low As
2025-2026; Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
2021 to 2025 Models; Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Year: 2025-2026
As Low As; Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; Financing up to 100% | Terms up to 84 months
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Up to $125,000; Highest APR: 7.89%
As Low As
Maximum Amount: Up to 135% MSRP
Non-Variable
Non-Variable
As Low As; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
As Low As
As Low As; 4.74%, 5.24%, 6.24%
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
As Low As
As Low As; *
4.49% / 3.99%**
4.49% / 3.99%**
As Low As; Financing up to 100% | Terms up to 84 months
As Low As; $29.76 per $1,000 borrowed
As Low As
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As
100% financing of purchase price, tax and license
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
As Low As
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Max APR: 13.64%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Standard APR: 5.25%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Max APR: 13.89%
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Over $20,000.00
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Standard APR: 5.74%
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Max APR: 11.29%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
As Low As; Standard APR: 5.99%
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Over $30,000.00
Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Maximum Financing: 90% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Maximum Financing: 100% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Share secured loans are available for up to 100% of the share balance at 3% over the current rate.
As Low As
Year: 2025-2026
Year: 2025-2026
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As
2025-2026; Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Year: 2025-2026
As Low As; Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; Financing up to 100% | Terms up to 84 months
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Up to $125,000; Highest APR: 7.89%
As Low As
Maximum Amount: Up to 135% MSRP
Non-Variable
As Low As; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
As Low As
As Low As; 4.74%, 5.24%, 6.24%
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
As Low As; *
4.49% / 3.99%**
As Low As; Financing up to 100% | Terms up to 84 months
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Max APR: 13.89%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
Standard APR: 5.59%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Max APR: 14.14%
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
As Low As; New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Standard APR: 5.99%
As Low As
Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.
Max APR: 11.54%
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
Standard APR: 6.24%
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
As Low As
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount. 0.25% rate discount for less than 100% Loan to Value (LTV). Available on New & used vehicles, 60-66 & 72-78 month terms only. Minimum FICO of 660 to qualify.
As Low As
As Low As; Rate includes all discounts. Without discounts: 5.99% APR. Maximum Loan amount financed - USED: up to 120% Retail Kelly Blue Book (84 months max).
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Max APR: 11.49%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Max APR: 12.49%
As Low As
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As
2021 to 2025 Models; Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
As Low As; Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Non-Variable
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
4.49% / 3.99%**
Compare local Los Angeles, CA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California new auto rates fell 0.155 points over the past 7 days to 5.160% APR.
California used auto rates rose 0.082 points over the past 7 days to 5.694% APR.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Los Angeles, California auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Los Angeles, California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Los Angeles, California. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.